Senior Credit Risk Analyst
About The Position
The Senior Credit Risk Analyst supports the full credit risk lifecycle at Braviant, from originations strategy and underwriting analytics to portfolio monitoring and loss forecasting. This is a highly technical, execution-focused role for someone who is equally comfortable writing production SQL/Python, building a segmentation strategy, and presenting findings to senior leadership. You will work directly with the Head of Credit to develop and refine the risk strategies that drive portfolio performance across our direct mail and digital lending channels. This is a hands-on, high-impact role suited for someone who is analytical, detail-oriented, and biased toward action, not just case review.
Requirements
- 3 to 5 years of experience in credit risk, consumer lending analytics, or a closely related quantitative role
- Strong SQL skills; you write complex queries without a template
- Strong experience with Python for data analysis and modeling
- Working knowledge of credit risk concepts: scorecards, vintage analysis, delinquency curves, loss forecasting
- Ability to communicate analytical findings clearly to non-technical stakeholders
Nice To Haves
- Experience in subprime consumer lending, fintech, payments, or another regulated financial services technology environment.
- Familiarity with credit decisioning, underwriting strategy, or fraud detection
- Experience working in a regulated financial services environment
- Exposure to A/B testing, experimentation frameworks, or champion/challenger strategies
- Hands-on experience building with AI-native development tools or frameworks (GitHub Copilot, Cursor, agentic coding pipelines, LLM-assisted test generation).
- Familiarity with MCP integrations, agentic AI architectures, or building internal developer productivity platforms.
Responsibilities
- Track and analyze key portfolio metrics including FPD, GNS, delinquency roll rates, and D2M performance across origination cohorts and risk segments
- Build and maintain dashboards and recurring reporting that surface early warning signals and portfolio trends
- Conduct vintage analysis, loss curve development, and cohort-level performance reviews to support monthly and quarterly business reviews
- Support the design and evaluation of originations strategies, score cutoffs, and underwriting policy changes across DM and digital channels
- Analyze the performance impact of ongoing A/B tests and pricing experiments, translating results into actionable recommendations
Benefits
- Comprehensive healthcare including medical, dental, and vision coverage
- Generous paid time off, including PTO, sick time, and 13 company holidays
- 401(k) with company contribution
- Participation in annual discretionary bonus plan
- Regular team and company gatherings
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What This Job Offers
Job Type
Full-time
Career Level
Mid Level
Education Level
No Education Listed
